What is CVV/CVC? Meaning, function, usage and security

If you are using a Visa or MasterCard credit card, the CVV/CVC number is an extremely important number but few people pay attention to it. So What is CVV? And how important is it? If the CVV number is leaked, what effect will it have on the cardholder? Please refer to this article for information.

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Learn What is CVV/CVC?

What is CVV Number?

what is cvv
What is CVC/CVV code?

CVV stands for the English phrase " Card Verification Value” means “card verification value”. This is the security code, the authentication code printed on the underside of credit cards, Visa cards, MasterCard cards. This code is used to make online payment transactions without using the card's PIN.

What is a CVC Number?

CVC stands for the English phrase " Card Verification Code” is also a security code to verify international payment cards similar to CVV. There is also a CVV2 code that is used when online transactions are not needed so that a physical card can still be paid.

Differentiate CVV Number and CVC Number

The CVV and CVC codes are collectively known as CSC (Card Security Code) – the card's security code. CSC usually has 3 or 4 numbers on the back of the card.

The only difference between these two codes is:

Where is CVV/CVC Number Recorded?

CVV/CVC number is an international payment card security code. You'll find the 3-digit CVV/CVC code in reverse italics in black ink, behind the signature stripe on the back of your Visa/Mastercard.

Where is CVV/CVC Number Recorded?
Where is CVV/CVC Number Recorded?

What's the Function of CVV/CVC Number?

what is cvv
CVV . code function

CVV and CVC codes both function as security codes to verify credit cards and international payment cards, used to check the card's use value. Customers can also use this security code to make online payments without the need for a PIN or a physical card.

If the card is valid use the card the barcode on the card is encrypted. If the card expires, use the CVV code card and the CVC is no longer valid.

Instructions for Steps to Use CVC Code in Transaction Payment

After selecting products/services to buy on domestic or international e-commerce platforms, customers go to the payment page and choose to pay by Visa or MasterCard.

How to use CVV code in payment
How to use CVV code in payment

At the payment page of the exchange, customers fill in basic information such as:

  • Cardholder's Name: Cardholder's full name without accents, printed on the face of the card.
  • Card Number (Card Number): A sequence of 16 numbers embossed on the face of the card.
  • Expiry Date of the card: You need to enter the Valid Thru card's expiration date, not the Valid From issue date.
  • Code CVV: Enter CVV security code, invoices can be accepted for payment immediately without PIN or OTP code. Therefore, CVV code information must be absolutely confidential.

Has CVV/CVC Number Revealed Any Impact?

You may disclose your CVV/CVC number for the following reasons:

  • Visit a website containing malicious code.
  • Reveal your card when paying at the cashier.
  • Getting information from ATMs, POS machines have unusual signs due to being hacked by crooks.

CVV/CVC number is very important for safety and security when using Visa/MasterCard card. If the CVV/CVC number is accidentally revealed, the cardholder's information may be stolen. Fraudsters can take advantage of this loophole to use your card information to pay for transactions and make you lose money unjustly.

So, to protect your card, here are some notes to keep in mind during use:

  • Use public computers to pay online.
  • Always protect your computer and phone from viruses.
  • Always keep a check against your monthly credit card statements.
  • Check for abnormal signs of POS or ATM machine before transaction. Fraudsters can install a camera or a device to record your card information right at POS machines and ATMs.
  • Access to Reputable websites with a URL starting with “https://” and an SSL certificate..
  • Put the card in sight when handing it to the cashier or leave it too obvious… Fraudsters can take advantage of your inattention to record your card information in a flash.

Important Notes To Remember When Using Payment CVC Codes

To secure CVC/CVV codes when making payments, customers should note the following:

  • As soon as you receive the card, you should remember the CVC/CVV number and proceed to erase or blur it to ensure security.
  • Before paying online, you should register for the Verified service for security with an OTP code.
  • Install anti-virus software on your phone and computer to avoid being hacked by viruses. Public computers should not be used to make online payments.
  • Make purchase and sale transactions at reputable trading platforms, websites with URL "http://" and have SSL security certificates.
  • Save the invoice and compare it with the monthly statement from the bank.
  • Check before making payment at ATMs, POS machines to watch out for unusual signs, cameras to take pictures or record card information.

5 Ways To Secure Your CVC Number Safely When Paying

what is cvv
How to secure CVV . code

To secure CVC number when making payment, customers can do 1 of the following 3 ways.

Remove or cover CVV/CVC . number

You can record the code stored in your phone and erase or blur the number printed on the card to avoid being taken advantage of by crooks.

Note: When scraping or erasing, please make sure the magnetic strip or card chip is not scratched so that the card can still perform normal transactions.

Please check the information carefully before paying

Carefully check information before paying, only use credit cards to pay at secure websites or large ATMs and POS machines. Should choose security with OTP code to authenticate the transaction.

Sign your name on the back of the card

Sign your name on the back of the card with the CVV code printed on it. This will help the cashier to check if the cardholder's signature is the same as the bill's signature to avoid card theft.

Register for the service “Verified by Visa/MasterCard”

“Verified by Visa/MasterCard” is considered as the best protection measure for card today. After filling in payment information, the website's payment system will send an OTP code to your phone. Only when you enter this code correctly will your payment be confirmed.

Where to Pay Without Number CVV/CVC?

Most online purchases require a CVV/CVC code to complete the payment confirmation. But in fact, there are still a few places that accept online payments by card without entering a specific CVV / CVC code:

  • Hotels of three stars or more. When customers make a reservation and use the online payment method via card. You only need to fill in the card number, full name and name of the cardholder without having to add CVV/CVC code. Money is then still deducted as usual to ensure customer safety.
  • The world's leading large e-commerce sites like Amazon can also make quick payments without entering CVV/CVC numbers.


Hopefully through this article, customers can understand and understand the information about CVC, what is CVV? This is the security code, the authentication code of the Visa/MasterCard card. Customers should secure this code carefully to avoid being exposed to prevent bad guys from stealing card information and using money in the card.

Information edited by: lamchutaichinh.vn